Get the latest updates for your company’s retirement plan.
PlanPremier®-Bundled
Prepare for important year-end deadlines
As the plan year ends, there are several deadlines and potential action items that plan sponsors should be aware of. These include year-end notices and disclosures, mandatory distributions, required minimum distribution reminders, and more.
Refer to the following resources to help you meet these year-end retirement plan obligations.
Be prepared for the new SECURE 2.0 Roth catch-up rule
Starting January 1, 2026, catch-up contributions for participants who earned more than $150,000 (indexed annually) in Social Security FICA wages in the prior calendar year must be made as Roth contributions.
Plans that don’t allow Roth contributions should consider adding Roth elective deferrals as a contribution type. If a plan does not offer Roth contributions, higher-paid participants subject to the Roth catch-up requirement will not be able to make catch-up contributions. If you don’t want to offer Roth contributions, you may also remove the option to make catch-up contributions.
We encourage you to work with your payroll provider now to ensure catch-up contributions for higher-paid participants are directed appropriately. For plans that automatically switch catch-up contributions from pretax to Roth when a participant is subject to the Roth catch-up requirement, the sponsor/payroll provider is responsible for changing impacted participants’ deferrals from pretax to Roth. For plans that don’t have a Roth source, sponsor/payroll providers are responsible for stopping impacted participants’ deferrals when the applicable deferral limit is reached.
We can help you comply with this requirement by collecting a new high-earner indicator on our system that identifies participants who are subject to the Roth catch-up requirement. The indicator will drive reports with relevant data to assist with contribution processing and identifying any participants that may require corrections, as well as payroll warnings and custom participant messaging.
Watch for more details soon, including information on how to add the high-earner indicator to the recordkeeping system.
Introducing the Save-o-meter on ICanRetire®
The Save-o-meter is a new tool available on the ICanRetire homepage that’s designed to help participants maximize their company match. Now, participants can better see if they’re leaving free money on the table.
We’ve also refreshed the existing planning calculator to include an option for employer matching. If matching isn’t available, participants can enter 0%.
Both tools are available on the ICanRetire homepage.
Take advantage of time-saving plan features
Signing up for eligibility tracking, online enrollment, automatic enrollment and beneficiary tracking can simplify the process of offering a retirement plan.
If your plan is already taking advantage of these features, you’ll likely have more participants using these options as we are nearing the end of the year.
And if you haven’t signed up yet, keep a lookout for upcoming webinar invitations where you can learn more about these time-saving features. You may also contact us if you’re unable to attend a webinar.
For more information, call us at (877) 872-5159.
Get the latest SECURE 2.0 Act provisions updates
The SECURE 2.0 Act marked a significant step toward enabling more small business owners and employees to pursue retirement stability. Get the latest updates on our recordkeeping support to help you take advantage of key SECURE 2.0 provisions.
Help drive better participant outcomes through education
Summer can be a good time to conduct participant education meetings. From increasing contributions to dealing with market volatility, we offer many educational resources to help boost participation and improve retirement outcomes.
Simplify retirement plan notices
Plan sponsors have a responsibility to send certain plan notices to employees every year. But that doesn’t mean they need to spend a lot of time printing documents and stuffing envelopes. Our notice delivery services make it easy for plan sponsors to send notices and fulfill their fiduciary duties.
Plan sponsors may opt to have a range of notices automatically generated and sent via email for free (or $2.50 each via regular mail). They may also upload a notice and have us mail it for $2.00 per mailed notice. Learn more about notice delivery for PlanPremier.
Transform PlanPremier plans with online enrollment
Online enrollment and other key features can help plan sponsors save time and provide the best experience for participants. Watch for an invitation to join an upcoming webinar and learn how to activate online enrollment.
Faster, easier hardship distributions available soon
New options will be available soon, including elimination of collecting backup documentation and allowing participants to self-certify, to help ease administrative efforts for plan sponsors and process hardship distributions faster. Watch for more information coming soon.
New participant enrollment videos
Give employees an overview of the enrollment process and encourage them to start saving with these short how-to videos. The videos are available in both English and Spanish.
Watch: How to enroll in your workplace retirement plan
Our payroll integration service has been expanded
We make it easy to connect with a broad range of payroll providers to help plan sponsors simplify contributions and protect sensitive information. Check out the payroll providers available through our network connections and additional providers through Payroll Integrations. In addition to 180 standard integration, we offer 360 payroll integration to further simplify the payroll process for plan sponsors.
Learn more about our payroll integration service and direct vendor connections:
Updated sponsorless distributions and loans agreement
For plans using our sponsorless distribution and loan service, we’ve updated the Sponsorless distributions and loans agreement to include new distribution types that are now available, including domestic abuse and qualified disaster recoveries.
This agreement authorizes us to process certain distribution and loan requests received in good order directly from participants. No action is required on your part; however, we recommend you keep a copy with your plan’s records.
SECURE 2.0 Act plan amendments
We’re committed to supporting key SECURE 2.0 Act provisions and making it easy for your plan to comply with the Internal Revenue Service (IRS) requirements.
For plans that use our document services, we’ll provide a SECURE 2.0 amendment prior to the IRS extended deadline to adopt the amendment. The amendment will be extensive and include all mandatory provisions, plus any optional provisions adopted by the plan. The fee for this amendment will be $1,250 per plan, billed after the amendment is provided in late 2025 to mid-2026.
Our website addresses have changed
We’ve updated our retirement plan website addresses as shown below. In doing so, we hope to make it easier to do business with us, and more clearly communicate who we are and the products and services we offer. Please be sure to update your bookmarks.
Website
New address
RecordkeeperDirect
Participant
capitalgroup.com/participant/rkd
Plan sponsor
capitalgroup.com/sponsor/rkd
Third-party administrator
capitalgroup.com/tpa/rkd
PlanPremier
Participant
capitalgroup.com/participant/planpremier
capitalgroup.com/participant/planpremier
Plan sponsor/PartnerLink — PlanPremier-Bundled
capitalgroup.com/sponsor/planpremier
capitalgroup.com/sponsor/planpremier
Plan sponsor/PartnerLink — PlanPremier TPA
capitalgroup.com/sponsor/planpremiertpa
capitalgroup.com/sponsor/planpremiertpa
SIMPLE IRA Plus
Participant
capitalgroup.com/participant/simpleiraplus
capitalgroup.com/participant/simpleiraplus
Plan sponsor
capitalgroup.com/sponsor/simpleiraplus
capitalgroup.com/sponsor/simpleiraplus